Commercial Insurance (Field) Underwriter

Rural Mutual Insurance is seeking a detail-oriented and relationship-driven Territorial Underwriter to support our agents and policyholders in West Bend, Wisconsin and surrounding counties. In this field-facing role, you will evaluate risk, make sound underwriting decisions, and partner closely with agents to grow and maintain a profitable book of business within your assigned territory.

This remote position offers the flexibility to work from home, plus a company car, laptop, and smartphone. It is ideal for someone who enjoys balancing analytical work with strong interpersonal collaboration and who thrives in a role where accuracy, sound judgment, and customer service truly matter.

Rural Mutual is a collaborative, people-centered culture where your judgment and expertise is valued. If you’re an experienced underwriter who enjoys field work, values strong relationships, and thrives on making informed decisions, we’d love to speak with you. Apply today!

$65,000 - $85,000 yearly

• Evaluate farm and commercial risks for acceptance, modification, or declination in alignment with company underwriting guidelines and assigned authority.
• Conduct onsite inspections of prospects and insureds, assessing operations, exposures, and risk controls; provide clear, actionable risk‑management guidance to agents and policyholders.
• Prepare complete underwriting instructions to support accurate rating, pricing, and issuance of new policies.
• Apply and justify Individual Rate Modifications (IRM) for farm and commercial policies (excluding Workers’ Compensation).
• Build strong agent partnerships by offering guidance on eligibility, coverage options, risk improvement, and underwriting expectations.
• Participate in agent training sessions to support product knowledge, risk evaluation skills, and documentation standards.
• Manage a structured weekly schedule of field visits, balancing travel with in-office time for reporting, underwriting analysis, and communication with agents and home office teams.
• Maintain accurate, timely documentation of underwriting decisions, inspection findings, and communications.
• Ensure compliance with company policies, departmental procedures, and all applicable regulatory requirements.
• Perform related duties as needed to support overall departmental goals.

• Minimum of three (3) years of property and casualty underwriting experience.
• Agriculture or agribusiness knowledge strongly preferred.
• Bachelor’s degree in Business Administration, Risk Management & Insurance, Agribusiness, or equivalent experience preferred.
• Progress toward professional insurance designations such as CPCU, AFIS, AU, or similar is beneficial.
• Demonstrates strong analytical and decision‑making skills, especially when evaluating diverse commercial and agricultural operations.
• Builds trust through honesty, professionalism, and integrity.
• Thrives when working independently in a field‑based environment while collaborating effectively with internal teams and agents.
• Approaches challenges with initiative, urgency, and high energy.
• Possesses excellent communication and interpersonal skills, with the ability to explain technical concepts clearly.
• Maintains a customer‑focused mindset, delivering positive experiences to agents and policyholders.
• Shows strong organizational and time‑management abilities, including managing travel, documentation, and competing priorities.
• Is proficient with Microsoft 365, underwriting platforms, and digital reporting tools.
• Bilingual abilities (e.g., Spanish, Hmong) are a plus.
• Ability to travel within assigned territory; valid driver’s license required.
• Must be able to walk farms, commercial properties, and uneven terrain during onsite inspections.
• Must be able to communicate clearly in person, by phone, and in writing.

What You'll Love About Rural Mutual Insurance:

We are a leading property and casualty insurance company based in Wisconsin, well known for our financial strength and longevity in the insurance industry. Our reputation in the marketplace ensures stability and opens up numerous growth opportunities for our employees.

We created a welcoming place to work with friendly and professional leadership. We are known for the great care we take with our staff, our agents, and our customers. We are passionate and determined about delivering the best customer service, preserving insurance industry knowledge, and making a difference through the work that we do.

We believe in a healthy work/life balance and, to that end, offer a competitive and comprehensive compensation package including health, dental, life, LTD, and vision insurance as well as an employee bonus plan, matching 401(k) plan, and generous time off benefits.